Amica Overview

Established in 1907, Amica (The Automobile Mutual Insurance Company of America) was introduced to the insurance industry long before many of its competitors. The company’s headquarters are located in Lincoln, Rhode Island, although they were originally housed in Providence upon its founding. While it is unclear how many employees the company houses, there are 44 offices across the country—a dynamic number in comparison to other companies. Its popularity has grown over the years, especially after it appeared on Fortune 1000 in the year 2007.


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The Good

The company was recognized as “Customer Service Champ” by Bloomberg BusinessWeek. Discounts vary largely, but they offer a wide array of possibilities for every type of driver. In general, their website shares everything you need to know, including possible discounts and how to qualify for them. If you have any questions, they provide reps to answer them. Other benefits include:

Coverage Features:

Amica coverage features can be broken down as follows:

  • Liability
  • Uninsured
  • Rental glass
  • Roadside
  • Bodily injury


  • Multi-line
  • Multi-car
  • Homeowner
  • Loyalty
  • Tenure
  • Legacy
  • Paid in full
  • Ediscount
  • Autopay
  • Antitheft
  • Airbag
  • Electronic stability control
  • Drivers training
  • Defensive driver classes
  • Good student
  • Student away at school

Price Range:

The average auto policy from Amica is $237.

File/Track Claims:

Amica customers can both file and track claims online through an Amica account. Customers can also update their profile, make payments, print ID cards, and e-sign documents online.


Selling car insurance since 1907, Amica is the oldest mutual automobile insurer in the U.S.

Service Coverage:

Amica provides insurance to residents in 49/50 states, with Hawaii being the exception.

The Bad

While Amica offers a quality insurance product, there are limitations in terms of who can actually take advantage of their service. These restrictions may cause other consumers to have to look elsewhere for their auto insurance needs. These drawbacks include:

Coverage Restrictions:

If you have been licensed to drive for less than three years, Amica does not offer a plan for you. This is unfortunate for families with adolescents who have just begun to drive or for those who simply could not be licensed earlier for other reasons.

The Bottom Line

Amica does all that is possible in order to provide customers with a wide variety of discounts. They have all the standard coverage options and additional coverage options as well. Plus, their wealth of experience is hard to beat, and they are on top of their customer service game. These qualities make Amica reliable and convenient and definitely a company to look into.

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